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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,631 | $57,352-69.3% | $83,831-79.0% | $64,173-72.5% |
| Participation rate | 58.8% | 68.6%-9.9pp | 76.1%-17.4pp | 69.6%-10.8pp |
| Annual return | -11.23% | 11.38%-22.6pp | 850.99%-862.2pp | 7.63%-18.9pp |
| Employer contribution / active EE | $1,032 | $2,546-59.5% | $3,631-71.6% | $2,381-56.7% |
| Participant deferral / active EE | $1,708 | $2,993-42.9% | $4,082-58.2% | $3,470-50.8% |
| Admin fee / account holder | $1,057 | $4,046-73.9% | $5,479-80.7% | $4,887-78.4% |